What is the most common complaint against Enova International, Inc.?

The most common issue consumers report about Enova International, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,655 complaints filed with the CFPB.

Are complaints against Enova International, Inc. increasing or decreasing?

Complaints against Enova International, Inc. have been stable. The company received 466 complaints in the last 12 months.

What is Enova International, Inc.'s reputation grade?

Enova International, Inc. has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Enova International, Inc. respond to consumer complaints?

Enova International, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.

In how many states does Enova International, Inc. operate?

Enova International, Inc. has received CFPB complaints from consumers in 49 states, with the most complaints from Texas (226 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Enova International, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 49 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

520
Communication tactics

265
Took or threatened to take negative or legal action

220
False statements or representation

160
Cont'd attempts collect debt not owed

133
Taking/threatening an illegal action

126

Data updated September 2026

CFPB complaint disposition

CCDB record enova-international-inc Enova International, Inc.

Grade D · 1,655 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #109 · compose #3236

VOL 1,655
GRADE D
12MO 466
STATES 49
TIMELY 100%
DISPUTE 10%
ISSUE Attempts to collect debt n…
RANK #109
COMPOSE #3,236

Volume peers

Nearest volume peer: Exeter Finance, LLC. (1,646 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Enova International, Inc.'s 1,655 CFPB complaints sit next to Exeter Finance, LLC. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Enova International, Inc. spreads filings across 49 states - Texas leads at only 13.7%

Despite a broad state map, Enova International, Inc. still sits volume #109 against composite #3,236 - the two RankMaps diverge by 3,127 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.7% across 49 states
Seasonal peak: 2026-01 10.3%; 8–15% band · 65 filings
Divergent corpus ranks: #109 volume; #3,236 composite; Cleanest-composite ladder is 3,127 places worse than volume

How does Enova International, Inc. compare to its peers?

How does ENOVA INTERNATIONAL, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ENOVA INTERNATIONAL, I… National average

Complaints (last 12 mo)lower is better

466

775

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

10%

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	520
Communication tactics	265
Took or threatened to take negative or legal action	220
False statements or representation	160
Cont'd attempts collect debt not owed	133
Taking/threatening an illegal action	126
Written notification about debt	108
Threatened to contact someone or share information improperly	41
Improper contact or sharing of info	38
Electronic communications	23

Where do complaints against Enova International, Inc. come from?

Enova International, Inc.'s own per-state count, not a national baseline.

Texas

226
California

143
Florida

142
Virginia

120
Ohio

92
Georgia

90
Louisiana

65
Missouri

58

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Enova International, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,655.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.72752043596729%.

4 peers

Know your rights before responding to Enova International, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.